Ruth Emery
Ruth is passionate about helping people feel more confident about their finances. She was previously editor of Times Money Mentor, and prior to that was deputy Money editor at The Sunday Times.
A multi-award winning journalist, Ruth started her career on a pensions magazine at the FT Group, and has also worked at Money Observer and Money Advice Service.
Outside of work, she is a mum to two young children, a magistrate and an NHS volunteer.
Latest articles by Ruth Emery
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What is the pension lifetime allowance?
Analysis If you have been saving into your pension for some time now, you may have heard the term "lifetime allowance". But what does it mean? We explain all.
By Laura Miller Last updated
Analysis -
Pensions tax relief - why the taxman could owe you money
News If you're yet to complete a self-assessment tax return for 2022/23 ahead of the end of January deadline, then don't forget your unclaimed pensions tax relief. Here's how to make sure you claim all the tax relief you’re entitled to
By Ruth Emery Last updated
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Seven things you need to know before installing an electric vehicle charger
Charging your EV at home rather than relying on public charging points is convenient and could save you money. We run through what you need to know before installing one.
By Ruth Emery Published
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Three apps to save you money
Features Apps on your mobile phone can help you salt away cash, manage your finances and trim your spending. We highlight some of the best ones and explain how they work
By Ruth Emery Last updated
Features -
Wage growth slows again - but it is still outpacing inflation
Pay growth has fallen to 6.6%, while the number of vacancies has dropped for the 18th month in a row. We explain what it means for the wider economy - and for interest rates.
By Ruth Emery Published
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Why cash is still king: investors take advantage of high interest rates and maximise flexibility
Cash is seen as the most attractive asset class moving into 2024, according to a new survey. But with interest rates forecast to drop, investors are likely to start reinvesting in risk assets soon.
By Ruth Emery Published
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Crypto investors warned they may need to submit a tax return by 31 January
HMRC has issued a new warning to crypto users that they may have to file a tax return this month to avoid potential penalties. We explain who needs to complete a self-assessment return and when tax may be due.
By Ruth Emery Published
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Should you overpay your mortgage or invest?
Advice As interest rates remain high, homeowners with spare cash may be wondering if they should overpay their mortgage. Or is investing a better option? We explain which one might be best for you
By Ruth Emery Last updated
Advice -
National Insurance savings could turbo-charge your pension by £87,000
As National Insurance falls from 12% to 10%, we reveal how adding the savings to your pension could boost your retirement pot by tens of thousands of pounds. Plus, how salary sacrifice could save you even more tax.
By Ruth Emery Published
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Millions to benefit from National Insurance cut from 6 January
Workers will get a boost to their pay packets as the first tax cut of 2024 is introduced on 6 January. We explain what the lower NI rate of 10% means for your money.
By Ruth Emery Published
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Key dates for 2024: here are the dates you need to know when managing your money
There are plenty of important dates to be aware of next year – which are likely to affect your financial health. We run through the key dates in 2024 that you need to know about when it comes to managing your money.
By Ruth Emery Last updated
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Are Lifetime Isas still worth it?
Analysis The Chancellor has been urged to overhaul the Lifetime Isa to ensure it reflects rising house prices and does not penalise first-time buyers in the upcoming Budget. We have all the details.
By Ruth Emery Last updated
Analysis -
State pension triple lock should be scrapped, says IFS
The Institute for Fiscal Studies has called for the triple lock to be replaced, and says the state pension age should only rise when life expectancy rises. But would its suggestions work?
By Ruth Emery Published
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11 benefits you might be able to get when you retire
We outline 11 free perks that you may be able to claim once you retire, from Pension Credit and the winter fuel payment to a free TV licence and free prescriptions.
By Ruth Emery Last updated
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UK GDP: Economy falls unexpectedly
The UK economy shrank by 0.3% in October, due to high interest rates and bad weather. We look in detail at the reasons behind the fall, and what it means for interest rates next year.
By Ruth Emery Published
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Two-thirds of savers don’t know how to switch to a “green pension”
Switching to a green pension can save emissions equal to 11 return flights from London to New York every year, claims a new report. But is it worth moving your money, and how do you do it?
By Ruth Emery Published
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Wage growth slows as jobs market falters
Pay growth has eased to 7.3%, while the number of vacancies has fallen for the 17th month in a row. We explain what it means for the wider economy - and for interest rates.
By Ruth Emery Published
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The 8% pension rule: what is it and is it enough to retire on?
You are probably saving this amount into a pension each month without even realising. But what is the 8% rule and is it enough to give you a comfortable retirement?
By Ruth Emery Published
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Top 10 stocks with highest growth over past decade - from Nvidia, Microsoft to Netflix, which companies made you the most money?
We reveal the 10 global companies with the biggest returns since 2013. One firm has posted an astonishing 9,870% return, meaning a £1,000 investment would now be worth almost £82,000.
By Ruth Emery Published
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How to avoid inheritance tax by giving your money away
Advice While the rumoured cut in inheritance tax failed to materialise in the Autumn Statement, there are ways to beat the tax by passing money to your family while you’re still alive. We explain how the gifting rules work.
By Ruth Emery Last updated
Advice -
FCA sets new sustainability labels for green investment funds - what do they mean?
The FCA has unveiled its anti-greenwashing measures and labelling regime, affecting financial products like green investment funds and savings accounts. We explain how they work.
By Ruth Emery Published
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US stock trading app Robinhood launches in the UK
The low-cost trading platform has opened another waiting list for British investors - following two failed attempts to launch in this country - and is hoping to be fully operational next year.
By Ruth Emery Published
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Pensioners to receive up to £600 in winter support - who is eligible and how to claim
Up to £600 in cost-of-living payments is starting to land in pensioners’ bank accounts. We explain who qualifies and what to do if you don’t receive the cash.
By Ruth Emery Last updated
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How to set up a pension if you're self-employed
Features Three-quarters of self-employed workers are not paying into a pension, meaning millions of people could be woefully unprepared for retirement. We explain the different pension options and reveal the best providers.
By Ruth Emery Last updated
Features